Verification API (KYC) for Indian Businesses
Automate identity verification with a single API. Aadhaar OTP, PAN, driving licence, and voter ID checks against authoritative government databases. Reduce onboarding time by up to 80% and eliminate document fraud from day one.
What is a Verification API (KYC)?
A Verification API (KYC) is a REST interface that validates identity documents — Aadhaar, PAN, driving licence, and voter ID — against authoritative Indian government databases in real time. It returns verified status, document details, and name-match results, enabling automated customer onboarding and regulatory compliance.
Instead of collecting document photos, waiting for manual review, and risking fake or tampered documents entering your system, your platform sends a single API request with the document number and receives verified information in seconds. The data comes directly from the source — UIDAI for Aadhaar, NSDL/Protean for PAN, MoRTH for driving licences, and ECI for voter IDs.
Fintechs use it to onboard borrowers. NBFCs use it for loan KYC. Insurance companies use it for policy issuance. Gig platforms use it for worker verification. Any business that needs to know "is this person really who they claim to be?" uses a Verification API to answer that question instantly, accurately, and at scale.
Complete Identity Verification Suite
Four core document types — all through one API, one key, one dashboard.
OTP-based Aadhaar verification with user consent. Validates name, address, gender, and date of birth against UIDAI records. Compliant with Aadhaar Act and UIDAI guidelines.
Validates PAN number against NSDL/Protean database. Returns PAN holder's name, PAN status (active/inactive), and category (individual/company/HUF).
Verifies driving licence number against MoRTH database. Returns holder name, validity status, class of vehicle, and issuing RTO details.
Validates voter ID (EPIC number) against Election Commission of India records. Returns name, assembly constituency, and voter status.
Everything You Need for Automated KYC
Built for KYC workflows where accuracy, compliance, and speed directly impact conversion and risk.
Verify documents against live government databases — not cached or stale data. Aadhaar OTP in 2-5 seconds, PAN in under 3 seconds, DL and voter ID in 5-10 seconds.
Meets RBI KYC Master Direction requirements for banks, NBFCs, and payment systems. Aadhaar verification with explicit user consent via OTP. Full audit trails.
Configurable fuzzy matching that handles middle names, initials, and spelling variations. Returns exact / partial / no-match classification for each check.
Returns only the fields required for verification. Sensitive data is masked per Indian privacy standards. Full PII never stored beyond audit logging.
Submit up to 10,000 records per batch for asynchronous processing. Ideal for mass re-KYC, bulk onboarding, and periodic list cleanups.
Real-time webhooks for every verification result — success, failure, or pending. Build responsive onboarding flows without polling.
Verify Identity in Seconds, Not Days
Three steps. No document uploads. No manual review. No fraud risk.
Your app collects the document number (Aadhaar, PAN, DL, or Voter ID) and the user's claimed name. For Aadhaar, an OTP is triggered to the linked mobile.
Our system queries the relevant government database — UIDAI, NSDL, MoRTH, or ECI — in real time and validates the document against the claimed identity.
Receive structured JSON with verified status, name match classification, document details, and any flags. Ready to use in your onboarding workflow.
Who Uses KYC Verification
Deployed across fintech, lending, insurance, and gig platforms where identity matters.
Verify borrower identity before loan origination. Confirm PAN matches the borrower's claimed name. Complete Aadhaar KYC within minutes, not days. Reduce fraud from fake identity documents.
Comply with RBI PPI Master Directions for prepaid wallets. Verify minimum KYC for small wallets and full KYC for high-value accounts. Reduce KYC drop-off with instant verification.
Verify policyholder identity at issuance. Cross-check claimed identity against PAN and Aadhaar at claim time. Reduce fraudulent claims from impersonation and fake documents.
Onboard delivery partners, drivers, and sellers with verified identity. Reduce fraud from underage workers, impersonated accounts, and banned users re-registering. Build trust in your platform.
What Changes When You Automate KYC
Integrating our Verification API cuts onboarding time, reduces fraud, and improves compliance from day one.
Replace document upload + manual review (hours to days) with instant verification (seconds). Users complete KYC before they lose interest.
Fake PAN cards, tampered Aadhaar, and stolen identities are flagged at the source. No fake document gets past live government verification.
Process 100 or 100,000 KYC checks per day with the same integration. Auto-scaling handles onboarding spikes during launches and campaigns.
Automation cuts cost per verification by 60-80% versus manual review. Pay only for successful API calls — no per-seat fees, no platform costs.
API Express vs Alternatives
What sets our Verification API apart from other providers.
| Feature | API Express | Typical Vendor A | Typical Vendor B |
|---|---|---|---|
| Uptime SLA | 99.9% | 99% | 99.5% |
| Aadhaar verification time | 2-5s | 8s | 6s |
| PAN verification time | <3s | 5s | 4s |
| Document types supported | 4 (Aadhaar, PAN, DL, Voter) | 3 | 2 |
| Free tier | 1,000 calls | 100 calls | None |
| Batch verification | 10,000/batch | 1,000/batch | 500/batch |
| Name match tolerance | Configurable fuzzy | Exact only | Partial only |
| Support response | <4 hrs | 24 hrs | 48 hrs |
The Verification API Built for Production KYC
Choosing a KYC provider is a long-term decision. Here's what makes API Express different.
Contractual SLA backed by redundant infrastructure. Your onboarding flow stays live even during peak signup traffic.
Meets RBI KYC Master Direction requirements. Aadhaar verification with explicit OTP consent. Full audit logging for regulatory review.
Configurable fuzzy logic handles real-world name variations — middle names, initials, and common spelling differences — reducing false rejections.
Pay-as-you-go, no minimum commitment. Volume discounts apply automatically. No setup fees, no hidden charges, no surprise invoices.
Real people via email, WhatsApp, and phone. Integration help included free. Enterprise clients get a named account manager.
Your first 1,000 API calls free — no credit card. Test all document types in sandbox before you go live.
All Four Core Identity Documents
One API endpoint per document type. All backed by live government source data.
Built on Standards Developers Trust
Our Verification API is built on industry-standard technology — designed for easy integration, high performance, and regulatory compliance.
One endpoint per document. Standard HTTP methods.
Structured JSON with verified status and name match.
API key auth · TLS 1.3 · IP whitelisting · Full audit logs.
Multi-zone redundancy · High-throughput KYC at any volume.
Every request logged for regulatory compliance and audits.
Test with mock documents. No charges for sandbox calls.
Other APIs You May Need
KYC verification pairs well with these APIs for complete onboarding workflows.
Validate bank accounts via penny drop after KYC is complete.
Verify vehicle registration for driver and vehicle onboarding workflows.
Add fraud detection and risk scoring to your KYC workflow.
Verification API — Common Questions
Quick answers to the questions we hear most often. Contact us if yours isn't here.
A Verification API (KYC) is a REST interface that validates identity documents — Aadhaar, PAN, driving licence, and voter ID — against authoritative Indian government databases in real time. It returns verified status, document details, and name-match results, enabling automated customer onboarding and regulatory compliance.
The Verification API supports Aadhaar (OTP-based), PAN card, driving licence, and voter ID. Additional document types are added continuously. All verifications are performed against live government sources — not cached records.
Yes. The Verification API is compliant with RBI KYC guidelines for banks, NBFCs, and payment systems. Aadhaar verification is done with user consent via OTP. All data is processed within Indian data centres and complies with local data protection regulations.
Aadhaar OTP verification returns within 2-5 seconds. PAN verification returns in under 3 seconds. Driving licence and voter ID verification return within 5-10 seconds depending on the source database response time.
Yes. Aadhaar verification requires explicit user consent and an OTP that is sent to the mobile number linked with the Aadhaar. The user must enter this OTP to complete verification. This ensures full compliance with Aadhaar Act and UIDAI guidelines.
Sign up free, get your API key instantly, and send POST requests for each document type you want to verify. Full documentation, sandbox environment, and code samples in Node.js, Python, PHP, and cURL are provided. Most integrations take under a day.
The API returns only the information necessary for verification — name, document validity, and status. Sensitive fields are masked per Indian privacy standards. Full PII is never stored by API Express beyond what is required for audit logging.
Yes. Your first 1,000 API calls are completely free with no credit card required. Test Aadhaar OTP, PAN, DL, and voter ID verification in our sandbox before going live.
Start Verifying Identities in Under a Day
Sign up free, get your API key instantly, and complete your first KYC integration before end of day. Your first 1,000 API calls are on us.